The 50/30/20 rule is super high-level, flexible budgeting method. In fact, it’s so high-level that it’s really more of a guideline for yourself than a full-on budget. It works by dividing up your budget into three buckets: 50% to needs, like bills and food; 30% to fun, like entertainment and shopping; and 20% to Future You, like saving, investing, and debt payments above the minimums. This worksheet is built to help you sort your anticipated spending into those three buckets. That way, you can make sure you’re dividing up your money the way you need to in order to get you closer to your goals.